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Motivation in Business. It is also important to mention the work of the Australian psychologist Elton Mayo conducted in the first half of the twentieth century showed that the quality of human relations within the team and the cooperation and solidarity of the group are the main motivators of workers.

Here are three of the most influential in the field of work motivation theories are presented.

What are the 3 facts Motivation in Business?

Theory of Pyramid or Hierarchy of Human Needs

This theory was formulated in the mid-twentieth century by Abraham Maslow, American social psychologist founder of the humanist. It establishes five hierarchical needs, so that if one person has not satisfied one level, it is not possible to think of the next. Thus, when a need is sufficiently covered, no longer motivates behavior.

Pyramid of Human Needs

Base: basic needs (physiological) such as eating or sleeping.

Second: The need for security, ie have resources to live or have good health, for example.

Third: Need for acceptance and affection or affiliation, ie have friends, family, and so on.

Fourth: Need for respect and recognition, that is to succeed, feel recognized for oneself and for others.

Cusp: Need realization, ie transcendence and personal growth.

3 Needs Theory

In this theory David McClelland, contemporary American psychologist Abraham Maslow, search the reasons that lead people to focus on a task, a continuing concern to achieve a state drives, selects and directs the behavior of people.

Although all people have these three requirements in each individual one prevails over the other. The needs are:

Achievement motivation (people seeking challenges and assume responsibilities and objectives)

Affiliation motivation (people cooperators, who prioritize human relations above results)

Power motivation (people who seek to control others, influence others, using and retaining information available).

Theory X and Y

Douglas McGregor, economist and specialist in business management, proposes two ways of thinking about people, their motivations and behaviors.

Theory X

This theory argues that human beings do not like work or effort, which plays the same force. This means that workers must be controlled and threatened to achieve the objectives of the organization. People prefer to be guided and directed, as they do not have any ambition.

Theory Y

In Theory Y McGregor says people see work as a development opportunity so they are capable of self-control and direct its efforts towards the objectives. They seek responsibility and can develop creativity to solve the problems of organizations.

Although these theories of motivation at work have been developed and applied five or six decades ago, they are still valid and have been established as the main theories of motivation at work.

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The audit is only detailed verification of all financial accounts of a business, this can be performed by anyone who has the capacity necessary study, many years of experience with accounting and is carrying a S4, in order to check the accuracy of the results obtained from the financial statements to determine if everything is going well.

Facts: Audit and its importance in business

If companies are small or medium, led by owner and not many employees, I believe that it is not necessary contractar audit service because it is easy to keep track of all financial accounts, but if it is recommended that the accounts be kept by people professionals so they can handle well the control of the company, needless to mention that to see if a company is profitable or not, if lost or gained depends on the financial statements and information supplied by the accounting and that those results are reliable must be performed by a good professional.

The version changes when it comes to a wholesale entity, although the owners are always pacing the same should contractar a good firm of auditors, here fits the saying that two heads are better than two, an auditor rather than watch is marching all also it analyzes in depth the states or information provided by accountants. Thanks to the audit may show errors committed in the organization time to amend any damage in the implementation of the strategy and thus could take the necessary measures so that the company can take the best course.

Why you should contractar an external auditor in my company?
The auditors are independent companies, and that obligation must be honest, if at the time of the review are any errors duty will always tell who has Contracted him.

The auditors are required to give the employer the right tips that can guide the right direction your company, there lies the importance of the external audit and ensuring objectivity in the review that issue their reports.

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Why is corporate governance important?

The task of the management is not easy and does not have to be related to the authoritarian attitude often mistakenly associated with your figure.

Directing means ensuring that employees comply with their duties to develop the product or service efficiently.

Since the manager is responsible for analyzing the market in which the company, it is for the organization and adaptation of the company to changes in the environment it moves.

The management assumes the intermediary between the owners of the company and productive resources.

The keys to a good Business Management

Before directing teams must know how to manage people and, therefore, it is essential to create an appropriate work environment, implement communication channels within the company and get the workers assume the objectives of the company.

The benefit are the customers. A good manager must create a product with the needs of consumers and not profit. We must move towards consumer satisfaction.

Know how to delegate. If you want to be the best manager, you must learn to delegate the specific work to specialized people to focus on improving productivity Developing professional skills.

Motivate their workers. As noted above, the employee is happy is crucial to carry out their job properly. We invite you to read our article on theories of motivation in the company

Have a strategic vision, delegate, motivate, innovate and constant learning are characteristics that must be always present to guide appropriately and earn the respect of subordinates.

The management of every company must be linked to four elements:

To plan. Design appropriate for the attainment of the target strategies.

Organize. Coordinate the various tools owned by the company (human, financial and physical resources) to achieve the intended purpose.

To motivate. Motivate staff is essential for proper functioning of the company.

Control. Ensure that plans and processes are being met.

Architecture of University of Colorado Boulde

Architecture of University of Colorado Boulde

CU-Boulder’s unmistakable engineering style, known as Tuscan Vernacular Revival, was composed by draftsman Charles Klauder. The most seasoned structures, for example, Old Main (1876) and Macky Auditorium (1923), were in the Collegiate Gothic style of numerous East Coast schools, and Klauder’s underlying arrangements for the college’s new structures were in the same style. A month or so after endorsement, be that as it may, Klauder upgraded his outline by portraying in another wrap of harsh, textured sandstone dividers with slanting, multi-leveled red-tiled rooftops and Indiana limestone trim. This shaped the premise of a bound together style which was utilized as a part of the outline of fifteen different structures somewhere around 1921 and 1939.

The sandstone utilized as a part of the development of almost every one of the structures on grounds was chosen from an assortment of front extent mountain quarries. In 2011, Travel+Leisure named the Boulder grounds as a standout amongst the most wonderful school grounds in the United States.

Living arrangement corridors

Additional data: University of Colorado Boulder understudy lodging

At present Freshmen and others going to the University of Colorado Boulder have a choice of 22 on and off grounds home corridors. Habitation corridors have 17 assortments of room sorts from singles to four-man rooms and others with loft style pleasantries. There are a few groups of living arrangement corridors situated all through the grounds, and in a different range called Williams Village which is associated with the primary grounds by means of the Buff Bus administration. The University additionally offers Residential Academic Programs (RAPS) in a large number of its Residence Halls. RAPs give understudies in-dormitory classes custom-made to scholarly intrigues (universal issues, ecological studies, and so forth.).

Building

The Engineering Center is situated on the North-East side of grounds, at the intersection of Colorado and Regent. The Engineering Center comprises of 660,000 square feet (61,000 m2) of classrooms, processing offices, workplaces, and research facilities. There are six special designing divisions which are: Electrical Engineering, Aerospace Engineering, Chemical and Biological Engineering, Civil Engineering, Computer Science, Computer Engineering, and Mechanical Engineering. Rankings distributed by the US World and News report positioned the Undergraduate Engineering Programs at 34th in general and nineteenth among open designing projects across the nation. Graduate Engineering Programs at CU are positioned 34th generally speaking and twentieth among open building programs across the country. This compositionally unmistakable and advanced focus is home to the country’s biggest geotechnical axis, particle implantation and microwave-engendering offices, spectrometers, electron and different magnifying lens, and a basic investigation office.

CU Engineering houses numerous mark programs. The Integrated Teaching and Learning Program gives understudies hands on configuration involvement in the grant winning ITL Laboratory. The 34,000-sq. ft learning office gives understudies and instructors an adaptable, unmistakable learning environment. The Design Center Colorado (DCC) is arranged inside of the Department of Mechanical Engineering at the University of Colorado Boulder. The DCC gives understudies hands on experience by interfacing them with staff and mechanical counselors on supported undertakings. CU Engineering is additionally part of the K-12 Engineering Outreach,

spearheading new building programs for understudies and instructors at the rudimentary, center and secondary school levels, and coordinating the national TeachEngineering advanced library gathering of free science, math and designing lessons and exercises accessible to educators.

Norlin Library

Until 1903, the library gathering was housed with whatever is left of the school in Old Main. The developing size of the library required a move, as the heaviness of the books was creating physical harm to the floor. The foundation for the principal separate library building was laid in January 1903, and the building was opened in January 1904. At the point when the new Norlin Library opened in 1940, the old library swung over to the Theater division, and was changed over into classrooms and a theater.

Norlin Library was the last working to be outlined by Klauder. There are two engravings on the western face of the building, sitting above the Norlin Quadrangle. Both were made by President Norlin. The bigger engraving peruses “Who knows just his own particular era remains dependably a tyke,” taking into account a Cicero citation, while the littler engraving on the marble right over the entryway peruses “Enter here the ageless partnership of the human soul.”

Checkout School of Public Affairs in the United State of America

Read below to know about the school of public affairs in the united state of America.

Detailed Analysis:

The School of Public Affairs offers degrees in criminal equity and open organization. UCCS SPA is situated in the new Academic Office Building on the UCCS Campus. UCCS School of Public Affairs offers the main Master of Public Administration NASPAA (Network of Schools of Public Policy, Affairs, and Administration licensed project in the Pikes Peak Region. U.S. News and World Report positions the School of Public Affairs in the main 14% of schools of open undertakings all through the country.

Degrees conceded:

Undergrad: Bachelor of Arts in Criminal Justice (BACJ), offering Alpha Phi Sigma – Honors in Criminal Justice.

Graduate: Master of Public Administration (MPA) in Public Management, Local Government Management, Nonprofit Management, Nonprofit Fund Development, Grant Management and Program Evaluation, Criminal Justice, Security Intelligence, Homeland Defense; Master of Criminal Justice; and duel MPA/MCJ degree.

School of Engineering and Applied Sciences

The College of Engineering and Applied Sciences is the UCCS building school. In the U.S. News and World Report “America’s Best Colleges,” the 2008 school rankings version, “the magazine’s editors positioned the UCCS undergrad designing project ninth in the country among open building schools offering single guy’s or graduate degrees.”

UCCS Engineering is quickly extending and incorporates numerous examination foundations and research facilities. It comprises

of three offices: the Department of Computer Science (software engineering); the Department of Electrical and Computer Engineering (electrical building, PC designing), and the Department of Mechanical and Aerospace Engineering (mechanical building, advanced plane design). The school is authorize by the Accreditation Board for Engineering and Technology (ABET). In conjunction with the College of Business it offers the exceptional Bachelor of Innovation (BI) which won the 2008 ASEE new program development grant.

As a result of its closeness to U.S. government and army bases and the innovation private division the school has organizations a few foundations, including resistance contractual workers and semiconductor makers (Intel, Boeing, Agilent, Northrop Grumman, Lockheed Martin), national research center (Sandia National Laboratories), and the military (United States Northern Command, Air Force Space Command, and the United States Air Force Academy). It gives outreach administrations to the neighborhood group through Project Lead the Way and the FIRST Lego League.

In 2006, the American Society for Engineering Education positioned the school seventh among U.S. state funded colleges and eighteenth for all U.S. colleges in the quantity of degrees honored to ladies.

The College is situated in two structures:

The Engineering Building houses the Department of Computer Science, Department of Electrical and Computer Engineering, senior member’s office, Advanced Development and UNIX Laboratory, Specialized Software Development Laboratory, Software Development Laboratory, Communications and Signal Processing Laboratory, Control Systems Laboratory, Electronics Laboratory, Electromagnetics Laboratory, Microelectronics Research Laboratories (MRL), and VLSI Circuit Design Laboratory.

Another $56.1-million Science and Engineering Building has been finished at the focal point of grounds to include required research facility and address space for the Department of Mechanical and Aerospace Engineering and also the Physics, Chemistry, and Biology offices. The building opened for classes in fall 2009. It holds an extended PC, wind burrow, liquids, instrumentation, and other mechanical building labs with an amplified machine shop and research space, outline studios with payload and task ranges. The building was later named Osborne Center for Science and Engineering after its greatest givers, Ed and Mary Osborne.[

National Institute for Science, Space and Security Centers

The National Institute for Science, Space and Security Centers (NISSSC) is a multi-disciplinary foundation set up to better concentrate on creating and actualizing sound scholastic and examination deliverables

in the science, space and security disciplines, for meeting the country’s difficulties. The NISSSC incorporates the Center for Homeland Security (CHS); the Center for Space Studies (CSS); the Center for Science, Technology, Engineering and Mathematics Education (CSTEME); and the Trauma, Health and Hazards Center (THHC).

HOW TO BE DISTRACTED FROM YOUR CRAVINGS

You know you’ve had that moment — that sudden desire — to eat something with no rational reason. This is the classic sign of a food craving, but little good generally comes from it.
“Most cravings are emotional, and there’s a difference between emotional hunger and actual hunger,” says Mary Beth Sodus, a Nutritional Therapist and Registered Dietician at the University of Maryland Medical Center. “They hit people above the neck as a taste for something, not actual hunger,” she says.
The desire for a particular food item can be powerful and has the ability to fully consume someone’s thoughts until satisfied. But just as easily as the mind gets you into these situations, it can get you out. “Cravings will go away if you wait them out, but people rarely do this,” says Sodus. Food cravings can encompass tastes for a range of flavors, but more commonly sugar, salty foods, hearty carbohydrates, caffeine, chocolate — its own class away from sugar cravings — and dairy products, according to Sodus. Each has its own underlying cause, she says, from a need for energy, to be alert, be comforted, have a time-out and even be anesthetized in some way in order to relax.
Their sudden nature adds a further layer to making these cravings unhealthy. They can strike suddenly and at a time when the only options available are likely to be bad for you. “People aren’t going to be cooking for an hour [to fulfill a craving], so it becomes drive-thru mode,” says Sodus. But Sodus believes people can fend off these needs by being more mindful of them.

Mindful eating

“Mindful eating is an antidote to cravings,” says Sodus. “But you have to practice when they’re mild,” she warns. As part of her approach, Sodus recommends certain “safe-foods” that can help satisfy cravings without the added calories and eventually steer them away. These foods include a grapefruit, small red baked potatoes, carrots, and salads filled with greens and fiber. The latter examples work by filling people up quickly, but they all work by buying time, particularly the grapefruit as the slow, strategic method of eating one can lead to a craving forgotten.
“They can buy time to ride out the intense craving,” she says.
Other experts in the field of both nutrition and psychology also adhere to this idea, many of whom work in the field of weight management, where cravings play a big role in causing people to become overweight.
“One of the main reasons people overeat is due to food cravings,” says Anne Hsu, a Behavioural Scientist at Queen Mary’s University of London.
Hsu’s team have been developing their own methods of buying time for people to ride out their cravings. Instead of safe foods, however, they’re going straight into the brain — and getting people to distract themselves.

The potential for distraction

“It doesn’t work to just tell people not to eat something,” says Hsu. “All behaviors come from underlying desires and changing the root cause of that behavior could have more affect.”
Hsu wants to stop people relying on willpower to get them through a craving and instead get them using their imagination. A widely tested theory in the field of nutrition is that food cravings exist because people are imagining them, according to Hsu, and by getting people to imagine something else you can get them to forget about them.
“If you hijack that part of the brain [imagining
the food] then it can’t sustain the craving
anymore,” says Hsu.
In 2014, her team trialled an app, called iCrave, where they hijacked people’s thoughts by asking them to do certain tasks — such as
imagining a forest, or a white horse –to interfere with the food they were imagining beforehand. During the trial, 48 people used the app by pressing a button whenever they felt a craving, in order to be given a task at that moment and results showed significant reductions in both snacking overall, and unhealthy snacking.
“This proved we can redirect mental processes with another task,” says Hsu who highlights the importance of people choosing to do this themselves.
“You don’t need a phone to do this task, you can chose an imagery task for yourself,” she says. Another study recently showed that the computer game Tetris, if played for just three minutes, can weaken cravings for food, but also drugs, sex and sleep.
“Playing Tetris decreased craving strength for drugs, food, and activities from 70% to 56%. This is the first demonstration that cognitive interference can be used outside the lab to reduce cravings,” said Jackie Andrade from Plymouth University, who led the study, in a statement. The results again tie in to this idea of stopping people imagining a food item, or activity, they want to eat or do. “Playing a visually interesting game like Tetris occupies the mental processes that support that imagery; it is hard to imagine something vividly and play Tetris at the same time.”
Next time the desire strikes to reach for some chocolate, you could try setting your imagination going instead.

WHY YOU SHOULD DRINK COFEE BEFORE A WORKOUT

You’ve seen that person before: Strolling into the gym with a Starbucks cup in hand, then proceeding to bust out a PR on their deadlift. Or the one sipping their coffee mug before acing a sprint workout on the treadmill. Turns out they’ve been onto something. Research shows that downing a cup of joe before your sweat sesh can boost your performance. But First, Coffee … “Caffeine is a stimulant that acts on the central nervous system, the heart, and possibly the ‘center’ that controls blood pressure,” all of which play a vital role in helping your mind and body push harder in a workout, says Heidi Skolnik, M.S., a sports nutritionist and owner of Nutrition Conditioning, Inc. “It can also increase the release of feel-good neurotransmitters like dopamine, which effects pain receptors and mood” while you’re working out. In other words, you’ll actually enjoy getting sweaty and it will feel easier when you’re powering through those last few reps. Plus, researchers found that when people caffeinated before a workout, they ate 72 fewer calories later in the day and had an easier time keeping cravings in check. Not a bad deal. Here’s how you, too, can make the most of your next brew. If You’re a Morning Exerciser … Enjoy an a.m. cappuccino before the gym?
Skolnik says timing can play an important role in your overall performance. “Caffeine is quickly absorbed from the stomach within 15 to 45 minutes of consumption, but it hits its peak stimulatory effects between 30 and 75 minutes,” she says. Drinking a cup about one hour before you work out is optimal, Skolnik says. You’ll want more fluids than just an eight-ounce mug of joe to get adequately prepped, though. Chasing your brew with some water is key if you’re not getting to your workout right away. “Coffee counts as a fluid,” says Skolnik, but you’ll still want some additional liquid in your tank. If you have an hour or two before your workout, pair your java with seven to 12 ounces of water. Just remember: Too much caffeine can have a laxative effect, Skolnik says. (Obviously, not an ideal situation to find yourself in.) OD’ing on coffee can also lead to dehydration, so keep an eye on how many cups you’re downing. (To check your hydration status, look at the color of your urine — the deeper the color, the more dehydrated you are.)
And if you usually take your coffee black, you might want to consider adding milk to your mug. Whether you choose real dairy or soy, you’ll get an extra hit of protein and carbs. Those nutrients can help boost blood sugar after a night of sleep, and can also rev your mental engine to help get your head around tough tasks (think: box jumps), Skolnik adds.
If You Work Out at Night … Bad news for night owls: If you lace up more often in the afternoon or evening, you might have to miss out on the workout-boosting benefits of coffee. Caffeine stays in your system for four to six hours after drinking, says Skolnik. But it affects everyone differently. Having some before your 7 p.m. workout may be just fine, whereas your running BFF could do the exact same thing and find herself unable to sleep at 1a.m. Researchers think that’s because a person’s genetic makeup, body weight and age all play a role in how our enzymes break down caffeine. Related Article: Coffee good for you, but it’s OK to hold back. Whatever you do, don’t sacrifice sleep for a caffeine fix. Shut-eye is “imperative for recovery, appetite regulation and more,” says Skolnik. If you’re unable to fall asleep at your desired bedtime, then she suggests skipping the stimulant or switching to a.m. workouts. That said, you can also try changing your roast for a shorter-lasting buzz. Dark roast coffee can have less caffeine than a light one. (Smaller light roasted beans mean you get more beans, i.e. more caffeine, per scoop.)
Cold brew coffee tends to have less caffeine, too. Tea is another option that can provide less of a jolt — black tea has 14 to 70 mg of caffeine in an eight-ounce cup compared to 95 to 200 mg in the same size cup of coffee.

HOW TO KEEP YOUR STRESS LEVEL UNDER CONTROL

One of the most common ailments that will affect all of us at one point or another is stress, and how you deal with it will make all the difference.

First of all, I cannot emphasize enough how important it is to keep your stress levels in check. Unbalanced stress levels can lead to other ailments such as heart disease, headaches, back pain, depression, diabetes and obesity. However, there are things you can do to ward off stress and avoid the other ailments in your life like exercise, meditation, yoga and diet modifications.
Most of these will not only help to manage stress, but will also add extra health benefits to your daily routine. Exercising will not only help you to feel calmer, but it can also do wonders for your waistline. Adding meditation or yoga to your routine will help you find extra downtime, while eating whole foods and avoiding sugar and carbohydrates can help keep stress levels in check and your diet balanced. Another important element that often gets overlooked is organizing yourself and managing your time efficiently. “Working parents have more on their to-do list than anyone else walking this planet,” Julie Morgenstern, professional organizer and author said in a interview. “But there are things you can do to take control.” “First, organize your physical spaces, especially in the hot spots: kitchen, front entry, bathroom, living room,” Morgenstern said. “Making sure everything has a really simple, well-labeled home to make it easy to find things and to put things away.” “Two, automate the predictable. Shopping, cleaning, laundry, cooking – just simplify those routines, schedule them in your day or your week and then stop thinking about them,” Morgenstern said. “And three – most importantly – make sure that the question you ask when you get home after a long day of work is not, ‘Why is this house a mess?’ but ‘Hey guys, how was your day?’ Starting every evening with love and calm will set the tone for a peaceful, stress- free evening,” she said.

HOW TO MAKE MONEY AS A SCAREMONGER

Every Halloween, thousands of people across the world hand over hard-earned cash to be scared out of their wits in haunted house attractions. The industry generates roughly $300 million in revenue in the United States alone, according to the Haunted House Association, with countries around the world increasingly adopting the tradition. While in the past a few sound effects and an actor wearing a white sheet might have caused sufficient terror, these days haunted attractions pull out all the stops with Hollywood-style productions and effects. “With any good horror movie, it will keep you focused on the story and will suspend reality.

A good haunted house or haunt will do the same through the use of many senses,” says Tom Sadowski, stage manager of Haunted Overload, a spooky trail located on a farm in New Hampshire, United States. “Once people get through the experience of getting scared they often have a sense of accomplishment and a feeling of bonding with anyone they are with. It’s a great first date idea,” he adds.
Here are five essential ingredients for concocting a truly terrifying experience.

Sound

Sadowski notes the importance of sound in intensifying the feeling of terror. “It can be used to heighten the sense of anticipation and fear,” he says. “Depending on your theme, sound really adds to the ambiance,” he adds. Specialized companies can help haunted attractions design their own terrifying soundscapes, from the chirping of crickets, circus music or thundering noise.

Smell

Sadowski says that smell is a relatively new but valuable addition to the arsenal of tools a haunt relies on to keep the fantasy alive.
Proprietors can ramp-up the fear-factor with stomach-churning scents, like rotting decay or the smell of a slaughter house.

Actors

The most important ingredient of a truly frightening haunt experience are actors says Sadowski. “Scare props just don’t compare to the interaction actors can have with the patron,” he adds. While zombies and goblins might be scary, it seems that clowns rank on top of the fear hierarchy for the unrivaled sense of dread they conjure. “The funny thing is they seem to either evoke a very strong response, or at the very least a sense of creepiness,” Sadowski says.

Setting

Haunted Overload is located on a farm in the woods of New Hampshire, which in itself can be a scary experience for people used to the reassuring crowds of a city, says Sadowski. It takes 45 minutes to walk the half mile-long trail, which is lined with hundreds of lighted pumpkins and features monsters as tall as 34 feet.
Visitors start their adventure walking down a path lined with scarecrows, after which they walk into a sculpture with a vortex of fog shooting out of its mouth. “It’s a very ethereal experience,” says Sadowski. “Then they come to what we call the pumpkin alley.
A ghost the height of a telephone pole greets them and they begin their journey past hundreds of jack o’lanterns to a four story skull made out of wood.” The haunt also features a train yard with a full-sized steam engine as well as a creepy circus tent.

Mystery

“We try to avoid people seeing other groups as they go through the haunt to prevent the break in their personnel experience,” says Sadowski. The organizers do this by using buildings and large props to obscure the view and allowing a limited amount of visitors at a time. The layout is rearranged each year by the Haunted Overload’s founder Eric Lowther, who also designs most of the props. “If you don’t change things people get tired of it and you will lose customers,” says Sadowski. A quick tip on how to cut it in the terror stakes? “I think between having good acting and a lot of visual eye candy you are sure to scare,” says Sadowski.

WHAT TO DO TO AVOID BAD BREATH

Many of us worry that our breath smells, bu it’s hard to diagnose yourself. Oral hygiene i the key to preventing halitosis.
It is estimated that up to half of us have bad breath.

“Don’t fool yourself,” said a 1928 advert for Listerine mouthwash, “Since halitosis never announces itself to the victim, you simply cannot know when you have it.” Many of us do indeed worry that our breath smells fetid and sulphurous. There’s even halitophobia, when people are convinced they have bad breath but don’t. It is estimated that up to half of us have bad breath , which seems a bit excessive: the rate of “objectionable bad breath” is thought to be more like 2.4% of adults. It’s hard to diagnose it yourself. Breathing into your hands and sniffing them only tells you if your hands smell. Licking the back of your wrist and smelling it after 10 seconds isn’t accurate either. Flossing and then smelling is only likely to reflect any decaying food. The taste in your mouth isn’t closely related to how your breath smells. Breath clinics have machines such as halimeters that measure sulphur emissions, but the most reliable way is for an expert to smell and score the level and type of odour. Or failing that, a close friend. In 85% of people, halitosis originates in the mouth. You may think that’s obvious, but tonsillitis, acid reflux in the oesphagus and kidney and liver problems can also make the breath smell. However, it’s the 600-plus bacteria in the mouth – particularly the ones producing unstable sulphur compounds from proteins breaking down – that are usually the culprits.
A BMJ review says that it is poor oral hygiene that’s usually to blame. The most likely cause is food and bacterial plaque on the tongue and teeth – especially when this causes gum inflammation. The main culprit is the back of the tongue, and some people happen to have grooves that allow a white coating to accumulate. A coating that is only 0.1mm thick can reduce the oxygen to the tongue, allowing the bacteria that grow best without oxygen to flourish and produce smelly compounds. The solution Regular teeth-brushing and flossing will reduce the problem. A systematic review found that tongue scraping (which I always thought was a stupid idea) might work – but do it gently, back to front, as there are more bacteria at the back. Another review found that mouthwashes with chlorhexidine gluconate, which reduce bacterial levels, can help, especially after tongue-brushing when the bacteria are exposed and defenceless (although too much mouthwash can stain the teeth). Using before bedtime may also work well, as bacteria multiply at night when the mouth is dry and gets less oxygen. Ones without alcohol are best as they avoid drying out the mouth. But all these things need to be used continually. Chewing sugar-free gum stimulates saliva and reduces bad breath and is a good insurance policy during the day.

CAN EXERCISE REDUCE RISK OF GETTING CANCER?

While it hasn’t been proved that physical activity mitigates your likelihood of getting the disease, the evidence shows a strong link so get moving.
One doctor who worked on the JAMA Internal Medicine study suggests that any exercise is likely to be beneficial.

Just in case you haven’t got the message that exercise is good for you, two huge research studies this week shout it louder than ever. Which is just as well, since almost one-third of adults are classified as “inactive”. Exercise is already known to reduce the risk of breast, colon and endometrial cancer (cancer of the lining of the uterus) by between 10% and 40%. Now, a pooled analysis of data from studies looking at 1.4 million adults between the ages of 19 and 98 has found that exercise reduces the risk of an additional 10 cancers, including oesophageal, stomach, bladder and kidney. What’s more, for many cancers, exercise reduces the risk even in overweight people. This is particularly interesting, because the mechanism by which exercise is thought to protect from cancer is weight reduction. It seems that exercise may work its magic in a variety of ways. Dr Marilie Gammon, an epidemiologist from the Gillings School of Global Public Health in Chapel Hill, North Carolina, who wrote an editorial to accompany the paper in the peer-reviewed journal JAMA Internal Medicine , says that exercise may help to repair DNA when it is damaged by cancer-promoting substances. Exercise may also alter hormone levels and reduce inflammation. The study showed that the risk of oesophageal cancer for those taking the most exercise was 42% lower than for those taking the least.
For seven of the cancers, the risk reduction was one-fifth or more. Gammon says the data was based on four hours of activity a week – the standard recommendation to prevent heart disease. How active you have to be to reduce your cancer risk is unknown. Gammon suggests anything is likely to be beneficial – even taking the stairs instead of the lift. But why stop at exercise? The second study of lifestyle and cancer, which took data from 136,000 Americans, found that anyone who quits smoking; does two and a half hours of moderate exercise a week; has no more than one drink a day if a woman or two if a man; and keeps to a BMI between 18.5 and 27.5 is likely to reduce their risk of bowel cancer by 30% and breast cancer by 12%. Get on your bike So, are you doing enough to reduce your risk of getting cancer? While these studies can’t prove that exercise reduces the risk of cancer – because they only report an observed association – they show a strong link, which is enough for me to get out my bike tomorrow. The fact that you can be overweight and still see a reduction in risk means you can get the benefit whatever your size. Dr Stephen Moore, the author of the JAMA Internal Medicine paper, is reported to run every day. Get moving.

6 SKILLS FOR INSURANCE CAREER SUCCESS

If you’re in the midst of applying to insurance jobs or are looking into roles for down the road, it’s important to know which skills your potential employers are seeking during the
application process.
Here are some of the most sought-after skills you’ll need for success in your insurance career.

1. Communication
In an insurance role, you’ll be required to communicate with internal and external stakeholders. This is why employers seek candidates who stand out when it comes to their communication skills. When applying for an insurance role, be sure to showcase any experiences, courses, or volunteer work that have developed your communication skills
and be sure to highlight them in your application.

2. Customer service
As an insurance professional, you will be managing multiple relationships and priorities. Ensuring that you are understanding your customers’ needs, professionalism, managing your time and their expectations effectively and delivering what you promise can play a key role in a successful insurance career. Any experience that helps you demonstrate your ability to respond to inquiries, manage a high volume of traffic, deliver some ‘tough messages’ or your commitment to go above and beyond are great selling points for your application and interview.

3. Teamwork
Though there may be times when you are working independently, you will ultimately be working as part of a team to achieve your unit or organization-wide objectives. Working
collaboratively to identify new business opportunities, generate a solution to a problem or emerging issue, or develop a strategy to manage a potential risk effectively are just a few examples of ways you may find yourself working with your colleagues. Think about school projects, jobs you have had, committees you were a part
of or extracurricular activities that had you as a part of a team (for example: band, sports teams, debate clubs, etc.).
How did you go about achieving success? What role did you play? How did you capitalize on each other’s strengths? Overcome challenges? These are all great examples to showcase your ability to work as part of a team.

4. Professionalism
Insurance is all about peace of mind. It is important that those working in the sector are seen as the professional they are. Demonstrating due diligence, paying attention to detail, wearing appropriate business attire, maintaining ethical standards and confidentiality, staying up to date on current trends/products and exercising sound judgment
are all qualities that make up the package of the professional people are entrusting to help them to protect the things they hold most dear. If you have the opportunity to engage an employer in-person or are brought in for an interview, be sure to take steps
to put your best foot forward and convey that you are the professional the employer is looking for to join their team.

5. Results-oriented
On virtually any career path, success is not just based on doing the job. Rather, it is often judged by the results you have achieved. Whether you are bringing on a new client, reducing the degree of risk associated with a particular client’s needs, developing a
new product or settling a claim fairly and efficiently, there are lots of ways to achieve a positive result in your career as an insurance professional. In the application process, be sure to focus in on not just what you did, but the results and outcomes from each of your previous roles.

6. Curiousity/quick learning
It’s important to employers that you’re eager to stay on top of industry developments, news, trends and information. Since insurance affects virtually everything we do in life and in business, there is a lot of information to keep on top of in an insurance role and it’s crucial that you be in the know. Be ready to commit some time to continuous learning in different forums, including networking, research and professional development.

9 TIPS FOR PROPER TEETH CARE

In order to keep your teeth healthy, it is important to develop a good dental care routine early in life and maintain them as you get older. You can do this by practicing good oral hygiene, eating a healthy diet, and supplementing these good habits with professional care when necessary.

1. Brush each morning and each evening.
When you brush you should do so fo at least two minutes. This will give you the time you need to get to all surfaces of your teeth. Make sure you remember the backs of your teeth.

2. Go to a dentist if you notice a problem developing.
Don’t wait until it’s extremely painful. If you don’t have dental insurance, you may be able to find affordable care by contacting dental schools, searching for free clinics online at the websites of organizations like the American Dental Association or the American
Dental Hygienists Association, or contacting your community health center or local health department.

3. Reduce the amount of alcohol you drink.
Alcohol damages the enamel on your teeth and increases your risk of tooth decay.

4. Eat less sticky foods.
These foods leave a thin layer of sugar on your teeth which is difficult to remove and increases your risk of tooth decay.

5. Don’t smoke.
Smoking will stain your teeth yellow, give you bad breath, and make you more likely to get gum disease or mouth cancers.

6. Limit your sugar consumption.
Sugar erodes the enamel on your teeth because as it breaks down, it produces acid which wears away your enamel. This makes you more likely to get cavities and tooth decay.

7. Brush or scrape your tongue.
The surface of your tongue is uneven. This means that food particles and bacteria often get trapped there. This then becomes a source of bacteria which gets transferred to your teeth.

8. Use a fluoride toothpaste.
Flouride protects the enamel and makes you less likely to get cavities. But it is important that the toothpaste have enough fluoride to be effective. Check to make sure it has at least 1,350-1500 ppm.

9. Brush each morning and each evening.
When you brush you should do so for at least two minutes. This will give you the time you need to get to all surfaces of your teeth. Make sure you remember the backs of your teeth.

SOME THINGS TO KNOW BEFORE PURCHASING LIFE INSURANCE

Planning to purchace a life insurance for yourself or a relation? Well here are a few things to note before making that decision.

1. Decide How Much Coverage You Need
How much of the family income do you provide? Does anyone else depend on you financially? How will your family pay final expenses and repay debts after your death? Based on the answers to these questions, decide how much coverage you need, for how long and what you can afford to pay. You want to make sure that you buy enough life insurance to cover the financial effects of an unexpected or untimely death.

2. Assess Your Current Life Insurance Policy
If you already have a life insurance policy, do not cancel it until you have received the new one. You then have a minimum period to review your new policy and decide if it is what you want. Keep in mind that you may not have to cancel your current policy. You may be able to change your policy to get the coverage or benefits you want now.

3. Compare The Different Kinds of Insurance Policies
There are two basic types of life insurance: term insurance and cash value insurance. Term insurance generally has lower premiums in the early years, but does not build up cash values that you can use in the future. Cash value life insurance may be one of several types: whole life, universal life and variable life. Your choice should be based on your needs now and in the future and what you can afford.

4. Be Sure You Can Afford the Premium Payments
Before purchasing a life insurance policy, be sure that you can handle the premium payments. Can you afford the initial premium? If the premium increases later, will you still be able to afford it?

5. Have an Insurance Agent Help You
Evaluate the Future of Your Policy How quickly does the cash value grow? Some policies have low cash values in the early years that build quickly later on. Other policies have a more level cash value build-up. Ask your agent for a year-to-year display of values and benefits.

6. Keep Your Current Policy
It is important that you do not drop one policy and buy another without a thorough study of the new policy and the one you have now. Replacing your insurance policy may be costly.

7. Understand Renewal Policies
You can renew most term insurance policies for one or more terms even if your health has changed. Each time you renew the policy for a new term, premiums may be higher. Ask what the premiums will be if you continue to renew the policy. Also ask if you will lose the right to renew the policy at a certain age.

8. Read Your Policy Carefully
Do premiums or benefits vary from year to year? How much do the benefits build up in the policy? What part of the premiums or benefits is not guaranteed? What is the effect of interest on money paid and received at different times on the policy? These are all questions that you should be able to answer by reading your policy thoroughly. Your agent can help you understand things that are unclear.

9. Review Your Life Insurance Program Every Few Years
How will inflation affect your future needs? Do you need more insurance when your family size increases? Review your policy with your agent every few years to keep up with changes in your income and needs.

7 AMERICAN INSTITUTIONS THAT OFFER FREE TUITION

Do you dream to study in America but can’t due to limited funds? Are you one of those who are potentially able to learn but lack funds to see you through in an American institution.
Well here are 7 institutions based in America known to offer tuition for free:

1. Antioch College, Ohio
It is among the colleges that have been in existence for a long duration as it was established back in 1850. It is however known to be very selective in recruiting students. One unique thing about the institution is that it offers free tuition.
Website: www.antiochcollege.org

2. Alice Lloyd College, Kentucky
Not so long ago, this college was ranked position 40 in US as one of the colleges considered best in offering educational services. It is also known as one of the best colleges in the region. The best part is that the college offers free tuition.
Website: www.alc.edu

3. Curtis Institute of Music, Philadelphia
If your niche is music, this is the institution to consider. It is among the best in that respect and so many celebrities and iconic musicians can attest to that. Tuition here is
absolutely free.
Website: www.curtis.edu

4. Deep Springs College, California
Though prestigious, the college still ha the reason to offer tuition for free. Most of the programs offered here are Masters and Doctorate.
Website: www.deepsprings.edu

5. Macaulay Honors College, New York
Although the institution was established only in 2001, it is one of those that have offered a lot of benefits to students. Offering of free tuition services is one of the things that have made the institution very popular.
Website: www.macaulay.cuny.edu

6. Webb Institution, New York
Situated in New York, Webb Institutio is known to be among the top in terms of tuition and overall performance.
Students here have an assurance of jobs once they are out of the institution.
Tuition at Webb institution is free.
Website: www.webb.edu

7. Williamson Free School of Mechanical Trades, Pennsylvania
Anything that has to do with mechanical trades can be studied in this institution. All programs here are meant to run for 3 years before graduation. Any person looking for free tuition can find it here.
Website: www.williamson.edu

6 EFFECTIVE WAYS TO SOOTHE A SORE THROAT

1. Saltwater gargle.
Several studies have found that gargling several times a day with warm salt water can reduce swelling in the throat and loosen mucus, helping to flush out irritants or bacteria.
Doctors generally recommend dissolving half a teaspoon of salt in one cup of water. If the salty taste is too unpleasant for you, try adding a small amount of honey to sweeten the mixture slightly. (Just remember to spit the water out after gargling, rather than swallowing!)

2. Lozenges and sprays
Sucking on cough drops stimulates saliva production, which can help keep your throat moist. But many varieties are no more effective than hard candies, Dr. Linder says. For an added benefit, choose brands with a cooling or numbing ingredient, like menthol or
eucalyptus.
Over-the-counter sprays like Chloraseptic produce an effect similar to cooling lozenges. They won’t cure your sore throat or help you fight off the underlying cold, but they may help dull the pain temporarily.
Chloraseptic’s active ingredient, phenol, is a local antiseptic that also has antibacterial properties, Dr. Linder says.

3. Cough syrup
Even if you don’t have a cough (yet), over-the-counter cough syrups can help ease soreness. Like drops and sprays, they coat the throat and provide temporary pain relief.
If you’re headed to work, be sure to choose a non-drowsy formula. But if you’re having trouble sleeping due to a sore throat, a nighttime formula like NyQuil (which contains a pain reliever and an antihistamine) or Robitussin AC (guaifenesin and codeine) can relieve pain and help you get some shuteye.

4. Fluids
“Staying hydrated is very important, especially when you’re sick and your throat is irritated or inflamed,” Dr. Linder says. “You should be drinking enough fluid so that your urine is light yellow or clear. This keeps your mucous membranes moist and better able to combat bacteria and irritants like allergens, and makes your body better able to fight back against other cold symptoms.”
What you drink is up to you, Linder adds. Water always works (ice cubes, too!), but you can also change it up with something slightly sugary, like a watered-down fruit juice, or something salty, like chicken broth.

5. Antibiotics
Every once and a while—about 10% of the time in adults—a sore throat will be caused by a bacterial infection such as Streptococcus pyogenes. If, and only if, you test positive for strep throat or another bacterial infection, your doctor should prescribe an antibiotic. (Taking antibiotics for a sore throat caused by a virus will not be effective.) Always take the full course of medicine, even if you feel better after a few days.

6. Rest
It may not be the quickest solution, but getting some rest is probably the best thing you can do to battle the infection that caused your sore throat in the first place, Dr. Linder says.
“The vast majority of sore throats are caused by cold viruses, and we know that there’s very little we can do to cure a cold once we’ve got it,” he says.
“Making sure your body is well rested will at least help it fight off the virus so you can get better sooner.”

5 REASONS WHY INSURANCE IS GOOD

When you buy insurance, you’re buying a promise that if something catastrophic happens to your business your carrier is going to assist you to make your business whole again.
Sometimes, though, it’s tempting to question the value of insurance because it is an intangible product. Let’s back up and take a big-picture view of why insurance matters. Here are seven reasons why insurance is important.

1.) Insurance Protects the Small Guys
When you look at your industry, you see the “big guys” and the “small guys.” If a risk goes wrong, the big guys will be able to survive. They can take a hit. But the little guys can’t take a hit. As a result, they are more risk averse, and in some cases, they sell out to the big guys. If enough little guys leave the industry (and one big guy swallows them up), you’re left with a monopoly. With insurance, however, the little guys have support if they want to take a risk, which means they stick around longer. What it comes down to is that insurance helps prevent monopolies from forming.

2. Insurance Ensures Family and Business Stability
Insurance is a safety net for when risks go wrong. Life insurance can support the life of a family, should a member be lost. It’s similar for a business. Should a key member or piece of equipment go out of commission, the business can carry on, thanks to insurance. This reason why insurance is important dovetails nicely with peace of mind. It all goes back to the idea that insurance, when activated, makes policyholders whole again.

3. Insurance Grants Peace of Mind
Insurance, an intangible, provides another intangible: peace of mind. Business owners can take on certain business ventures because they can shift the risk — thanks to insurance. This reason is the counterpart to — lenders require insurance. Insurance is the required safety net (by lenders) that lets entrepreneurs explore opportunity.

4. Lenders Require Insurance
Mortgage lenders want proof of insurance before you buy or build a new building. In short, to get the money your business needs to keep going, it’s likely you enjoy the benefits of insurance. Without insurance, your winning business model can’t get the funding it needs to take its first step, or your established business model can’t get the funding to evolve and better compete.

5. Insurance is the Right Thing to Do
A sobering example of insurance in action was the West Fertilizer Co. explosion in Texas. The explosion did $100 million in damage to the community, including schools and hospitals. The fertilizer company had only $1 million in general liability coverage. The city sued West Fertilizer and are likely to win all of the company’s remaining property and assets that were not damaged by the disaster. This is because the fertilizer company did not have enough insurance. What’s more is the city also sued the suppliers to the fertilizer plant, claiming they knew they were supplying inherently dangerous materials.
In the case of the West, Texas, plant explosion, insurance could have helped a community to recover after a crisis.

Insurance is something many business owners don’t want to think about. But whether they think about insurance, with hope it’s there, allowing for transfer of risk and providing a safety net for new opportunities.

2016 TOP 7 INSURANCE COMPANIES IN THE WORLD

Insurance helps us to be prepared for the worst while we hope for the best. We all face many kinds of risks: risk of meeting with an accident, falling sick, being a victim of a natural disaster or fire, and above all risk of life. All these risks not only come with pain and suffering but also hurt financially. Insurance is one way of being prepared for the worst; it offers the surety that the economic part of the pain will be taken care of. In this article, we take a look at some of the top insurance companies. There are many criteria on the basis of which such a list can be prepared: premium collections, market capitalization, revenue, profit, geographical area, assets and more. The following list focuses on a number of factors and the insurance companies on it are in no particular order.

1) AXA
With over 102 million customers in 56 countries and an employee base of 157,000, AXA is one of the world’s leading insurance groups. Its main businesses are property and casualty insurance, life insurance, saving and asset management. Its origin goes back to 1817 when several insurance companies merged to create AXA. The company is headquartered in Paris and has a presence across Africa, North America, Central and South America, Asia Pacific, Europe and the Middle East. In 2013, AXA as a move to increase its foothold in Latin America acquired 51% of the insurance operations of Colpatria Seguros in Colombia. During the same year, AXA became the largest international insurer operating in China as a result of its 50% acquisition of Tian Ping (a Chinese property and casualty insurer). In addition, the company acquired the non-life insurance operations of HSBC in Mexico. The AXA Group reported total revenues of €99 billion for fiscal year 2015.

2) Zurich Insurance Group
Zurich Insurance Group, a Switzerland-headquartered global insurance company, was founded in 1872. Zurich Group, together with its subsidiaries, operates in more than 170 countries, providing insurance products and services. The core businesses of Zurich include general insurance, global life and farmers insurance. With its employee strength of over 55,000, Zurich caters to the vast insurance needs of individuals and businesses of all sizes: small, mid-sized and large-sized companies and even multinational corporations. Total revenues in 2015 were $60.568 billion.

3) China Life Insurance
China Life Insurance (Group) Company is one of Mainland China’s largest state-owned insurance and financial services companies, as well as a key player in the Chinese capital market as an institutional investor. The origin of the company goes back to 1949 when the People’s Insurance Company of China (PICC) was formed. Its offshoot PICC (Life) Co. Ltd was created after parting ways with PICC in 1996. PICC (Life) Co. Ltd was renamed as China Life Insurance Company in 1999. The China Life Insurance Company was restructured in 2003 as China Life Insurance (Group) Company, which has seven subsidiaries. The businesses are spread across life insurance, pension plans, asset management, property and casualty, investment holdings and overseas operations. The company is listed on the New York Stock Exchange, the Hong Kong Stock Exchange and the Shanghai Stock Exchange, and is the biggest public life insurance company in terms of market capitalization in the world.

4) Berkshire Hathaway
Berkshire Hathaway Inc. (BRK.A) was founded in 1889 and is associated with Warren Buffet, who has transformed a mediocre entity into one of the largest companies in the world. Berkshire Hathaway is now a leading investment manager conglomerate, engaging in insurance, among other sectors such as rail transportation, finance, utilities and energy, manufacturing, services and retailing through its subsidiaries. It provides primary insurance, as well as reinsurance of property and casualty risks. Companies like Berkshire
Hathaway Reinsurance Group, GEICO, Berkshire Hathaway Primary Group, and General Re, National Indemnity Company, Medical Protective Company, Applied Underwriters, U.S. Liability Insurance Company, Central States Indemnity Company and the Guard Insurance Group are subsidiaries of the group.

5) Prudential plc
Prudential plc (PUK) is an insurance and financial services brand with operations catering to 24 million customers across Asia, the U.S., the U.K and most recently Africa. Prudential was founded in United Kingdom in 1848. Prudential Corporation Asia, Prudential U.K., Jackson National Life Insurance Company and M&G Investments are the main businesses within the group. Jackson is a prominent insurance company in the United States, while Prudential U.K. is one of the leading providers of pension and life. Prudential plc is listed on the stock exchanges of London, Hong Kong, Singapore and New York. It has approximately 22,308 employees worldwide, with assets under management worth £509 billion.

6) United Heath Group
The United Health Group Inc. (UNH) tops the list of diversified health care businesses in the United States. Its two business platforms – United Healthcare for health benefits and Optum for health services – work together, serving more than 85 million people in every U.S. state and 125 countries. The United Health Group uses its experience and resources in clinical care to improve the performance of the health care services sector. The company reported revenue of $157.1 billion in 2015. Fortune has featured
United Health Group as the “World’s Most Admired Company” in the insurance and managed care sector six years in a row.

7) Munich Re Group
Founded in 1880, Munich Re Group operates in all lines of insurance and has a presence in 30 countries, with focus a on Asia and Europe. The company’s primary insurance operations are carried out by its subsidiary, ERGO Insurance Group, which offers a comprehensive range of insurance, services and provision. Munich Re Group’s home market is Germany, where ERGO is a leader in all areas of insurance. The group’s newest arm, Munich Health, parlays the group’s risk-management and insurance expertise into the health care field. The group has around 45,000 employees worldwide, working in all businesses of insurance: life reinsurance, health reinsurance, accident reinsurance,
liability business, motor reinsurance, property-casualty business, marine reinsurance, aviation reinsurance and fire reinsurance. The Munich Re Group reported a profit of €3.1 billion in 2015.

U.S Government Tightening Use Of Short-Term Health Insurance

Mesothelioma is explained as a disease caused by exposure to asbestos. Mesothelioma victims almost always win money damages if they sue, but the cases can be complicated and a mesothelioma lawyer is usually needed to identify the parties who are liable for the asbestos exposure (asbestos manufacturers, insurance companies, or asbestos victims’ trust funds) and begin the lawsuit or settlement process. Because mesothelioma cases are a specialized legal niche it’s important to understand how mesothelioma lawyers operate and how to hire a good lawyer. Continue reading to learn more. (For general information about hiring an attorney, check out Nolo’s article Finding a Personal Injury Lawyer)
The Legal Background

People who find out that they are suffering from mesothelioma (often as a result of working with asbestos) usually have an excellent chance of recovering substantial money damages — either from the company that manufactured or installed the asbestos, or from an asbestos victims’ trust fund. But these cases can get complex, especially from a medical standpoint, since mesothelioma often shows up 10 to 40 years after exposure to asbestos. Having an experienced attorney on your side — especially one with a record of success in mesothelioma cases — can make all the difference. (To learn more about mesothelioma cases, read Nolo’s article Asbestos and Mesothelioma Lawsuits: What to Expect.)

Finding the right mesothelioma lawyer can be key to your case, but it can also take time and effort. If you are not feeling well, make sure you get help from a consumer savvy relative or friend. As discussed below, you’ll get the best results if you do careful research as to a lawyer’s qualifications and track record and then interview several. You also may need to bargain as to the amount of the contingency fee and other costs.
See Ways to Find the Right Mesothelioma Lawyer

Ask former colleagues. If you have been diagnosed with mesothelioma, chances are good that people who you worked with at the time of your exposure also suffer from it and may have already hired a lawyer and filed a lawsuit. If they have achieved a good result through a lawyer they like and respect, this is one good place to start.

Check Nolo’s online Lawyer Directory. Some attorneys featured in Nolo’s lawyer directory handle mesothelioma cases (full disclosure: lawyers pay a fee to list with Nolo). These attorneys have filled out a detailed profile containing valuable information about their schooling, professional background, legal specialties, and personal attitudes. While there are also a number of other legal directories, we believe Nolo’s provides the most consumer friendly information. Go to the Mesothelioma – Asbestos section of Nolo’s Lawyer Directory to find a mesothelioma attorney in your area.

Investigate lawyers online. Because mesothelioma cases can be so profitable, many law firms spend big dollars on Internet ads and websites. Just Google mesothelioma lawyer and you’ll find a long list. Click on a few ads or websites and you’ll see that everyone claims to be the best of the best. How do you cut through all this hype to focus on a short list of hopefully excellent mesothelioma lawyers? We recommend that you carefully read the legal information each lawyer provides. In our experience lawyers who provide well-written, in-depth information demonstrate a superior sensitivity to client needs. By the same token, we distrust lawyers who say little more than “I can get you millions pronto — trust me.”
How to Choose the Right Mesothelioma Lawyer

Check a lawyer’s references. A good mesothelioma lawyer should be able to provide you with the name and contact information of a few satisfied clients. Of course, the lawyer will have to get the permission of the client, but this can usually be arranged. Although you’ll only be given the names of very satisfied clients, it can still be very helpful to talk to someone who has worked with the lawyer you are considering in a mesothelioma case.

Interview the lawyers. Once you develop a short list of mesothelioma lawyers, contact their offices (again, get help if you are very ill). Request a case evaluation and, if possible, arrange a personal interview. Ask who exactly will manage your case (often a case manager, who is a non-lawyer in larger firms). Find out who you can call or email if you have questions, and how long it will take to get back to you. Anticipating these questions, many law firms will give you a written overview of what to expect. Especially if it’s detailed and guarantees that all calls and emails will be returned in 24 hours, this is a good sign.

Negotiate fees with the lawyer. Mesothelioma lawyers charge a contingency fee for their legal representation, plus additional costs to prepare your case. One good approach is to contact several lawyers, making it clear that you’ll take your time before signing a fee agreement. Your goal is to find a good quality lawyer who will represent you for 25% to 30% of your recovery, instead of 33% to 40%. But keep in mind that mesothelioma cases can be very complex. If you find an attorney who comes well-recommended and has a lot of experience (and a record of success) representing mesothelioma clients, a few percentage points on a contingency fee probably shouldn’t dictate whether or not you hire that attorney.

Find out how are costs handled. A good attorney will deduct costs (things like filing fees and expert witnesses’ compensation) off the top of any settlement or award, before the money is divided and the attorney takes their agreed-upon percentage. That way you and the attorney share payment of the costs. And a good attorney will give you receipts showing that all costs incurred were specific to your case — meaning you’re not being saddled with part of the bill for the firm’s general operating expenses.

THE PROCESS OF HIRING A MESOTHELIOMA OR ASBESTOS LAWYER

Mesothelioma is explained as a disease caused by exposure to asbestos. Mesothelioma victims almost always win money damages if they sue, but the cases can be complicated and a mesothelioma lawyer is usually needed to identify the parties who are liable for the asbestos exposure (asbestos manufacturers, insurance companies, or asbestos victims’ trust funds) and begin the lawsuit or settlement process. Because mesothelioma cases are a specialized legal niche it’s important to understand how mesothelioma lawyers operate and how to hire a good lawyer. Continue reading to learn more. (For general information about hiring an attorney, check out Nolo’s article Finding a Personal Injury Lawyer)
The Legal Background

People who find out that they are suffering from mesothelioma (often as a result of working with asbestos) usually have an excellent chance of recovering substantial money damages — either from the company that manufactured or installed the asbestos, or from an asbestos victims’ trust fund. But these cases can get complex, especially from a medical standpoint, since mesothelioma often shows up 10 to 40 years after exposure to asbestos. Having an experienced attorney on your side — especially one with a record of success in mesothelioma cases — can make all the difference. (To learn more about mesothelioma cases, read Nolo’s article Asbestos and Mesothelioma Lawsuits: What to Expect.)

Finding the right mesothelioma lawyer can be key to your case, but it can also take time and effort. If you are not feeling well, make sure you get help from a consumer savvy relative or friend. As discussed below, you’ll get the best results if you do careful research as to a lawyer’s qualifications and track record and then interview several. You also may need to bargain as to the amount of the contingency fee and other costs.
See Ways to Find the Right Mesothelioma Lawyer

Ask former colleagues. If you have been diagnosed with mesothelioma, chances are good that people who you worked with at the time of your exposure also suffer from it and may have already hired a lawyer and filed a lawsuit. If they have achieved a good result through a lawyer they like and respect, this is one good place to start.

Check Nolo’s online Lawyer Directory. Some attorneys featured in Nolo’s lawyer directory handle mesothelioma cases (full disclosure: lawyers pay a fee to list with Nolo). These attorneys have filled out a detailed profile containing valuable information about their schooling, professional background, legal specialties, and personal attitudes. While there are also a number of other legal directories, we believe Nolo’s provides the most consumer friendly information. Go to the Mesothelioma – Asbestos section of Nolo’s Lawyer Directory to find a mesothelioma attorney in your area.

Investigate lawyers online. Because mesothelioma cases can be so profitable, many law firms spend big dollars on Internet ads and websites. Just Google mesothelioma lawyer and you’ll find a long list. Click on a few ads or websites and you’ll see that everyone claims to be the best of the best. How do you cut through all this hype to focus on a short list of hopefully excellent mesothelioma lawyers? We recommend that you carefully read the legal information each lawyer provides. In our experience lawyers who provide well-written, in-depth information demonstrate a superior sensitivity to client needs. By the same token, we distrust lawyers who say little more than “I can get you millions pronto — trust me.”
How to Choose the Right Mesothelioma Lawyer

Check a lawyer’s references. A good mesothelioma lawyer should be able to provide you with the name and contact information of a few satisfied clients. Of course, the lawyer will have to get the permission of the client, but this can usually be arranged. Although you’ll only be given the names of very satisfied clients, it can still be very helpful to talk to someone who has worked with the lawyer you are considering in a mesothelioma case.

Interview the lawyers. Once you develop a short list of mesothelioma lawyers, contact their offices (again, get help if you are very ill). Request a case evaluation and, if possible, arrange a personal interview. Ask who exactly will manage your case (often a case manager, who is a non-lawyer in larger firms). Find out who you can call or email if you have questions, and how long it will take to get back to you. Anticipating these questions, many law firms will give you a written overview of what to expect. Especially if it’s detailed and guarantees that all calls and emails will be returned in 24 hours, this is a good sign.

Negotiate fees with the lawyer. Mesothelioma lawyers charge a contingency fee for their legal representation, plus additional costs to prepare your case. One good approach is to contact several lawyers, making it clear that you’ll take your time before signing a fee agreement. Your goal is to find a good quality lawyer who will represent you for 25% to 30% of your recovery, instead of 33% to 40%. But keep in mind that mesothelioma cases can be very complex. If you find an attorney who comes well-recommended and has a lot of experience (and a record of success) representing mesothelioma clients, a few percentage points on a contingency fee probably shouldn’t dictate whether or not you hire that attorney.

Find out how are costs handled. A good attorney will deduct costs (things like filing fees and expert witnesses’ compensation) off the top of any settlement or award, before the money is divided and the attorney takes their agreed-upon percentage. That way you and the attorney share payment of the costs. And a good attorney will give you receipts showing that all costs incurred were specific to your case — meaning you’re not being saddled with part of the bill for the firm’s general operating expenses.